Security and Privacy

We recognise our responsibility to treat the information we obtain about you with care. We use personal information about you:

· To provide you with a quote from our insurers

· To administer your policy if you buy one

· To maintain and improve the services we provide to you

· To research and tell you about other products and services

(14.1) Some of the personal information we ask you to provide may be sensitive. For example with car and travel insurance, you may be asked give us information about your physical health and the physical health of other people named on a policy. If you buy one of our policies then we will treat you as having given us consent to use any sensitive personal data solely in connection with the administration of your policy.

(14.2) We will treat all your Personal Information as confidential (although we reserve the right to disclose this information in the circumstances set out below). We will keep it on a secure server and we will fully comply with all applicable UK Data Protection and consumer legislation from time to time in place.

(14.3) When you use the Website we may also collect User Information, such as information about where you are on the internet (e.g. the URL you came from, IP address, domain types like .co.uk and .com), your browser type, the country and telephone area code where your computer is located, the pages of our Website that were viewed during your visit, the advertisements you clicked on, and any search terms that you entered on our Website. We may collect this information even if you do not register with us.

(14.4) You should be aware that this site is being monitored and may capture information about your visit that we may use to improve our service.

(14.5) We confirm that any Personal Information which you provide to us (or which is available on public registers) and any User Information from which we can identify you, is held in accordance with the registration we have with the Data Commissioner's Office. We use your information only for the following purposes:

· Processing your insurance policy;

· For statistical purposes to improve this Website and its services;

· To serve Website content and advertisements to you;

· To administer this Website;

· If you consent, to notify you of products or special offers that may be of interest to you. (See section 14.7 below)

(14.6) You agree (subject to section 14.7 below) that you do not object to us contacting you for any of the above purposes whether by telephone, e-mail or in writing and you confirm that you do not and will not consider any of the above as being a breach of any of your rights under the Privacy and Electronic Communications (EC Directive) Regulations 2003.

(14.7) When you create a user profile while purchasing online you will be given the option to receive information from Insurance Choice by post, e-mail or telephone about products, promotions or special offers which we feel may be of interest to you. In the event that you do not wish to be contacted for such purposes, ensure that you tick the appropriate box as you go through the registration process. You may unsubscribe from our contact list at any time by replying to a promotional e-mail with the word "unsubscribe" in the subject line, by e-mailing us at unsubscribe@insurancechoice.co.uk

(14.8) Your personal information may be disclosed to reputable third parties involved in the process and delivery of your policy. Insurance Choice requires all such third parties to treat your Personal Information as fully confidential and to fully comply with all applicable UK Data Protection and consumer legislation from time to time in place. We will not release your Personal Information to any third party for mailing or marketing purposes.

(14.9) You should be aware that if we are requested by the police or any other regulatory or government authority investigating suspected illegal activities to provide your Personal Information and/or User Information we are entitled to do so.

(14.10) We endeavour to take all reasonable steps to protect your personal information. However we cannot guarantee the security of any data you disclose on-line. You accept the inherent security risks of providing information and dealing on-line over the internet. Insurance Choice will not accept responsibility for any breach of security unless this is due to our negligence or wilful default.

Links

We cannot be responsible for the privacy policies and practices of other websites even if you access them using links from our site and we recommend that you check the policy of each site that you visit. In addition, if you linked to our website from a third party website, we cannot be held responsible for the privacy policies and practices of the owners or operators of the third party website from which you linked to our website and recommend that you check the policy of that third party website and contact the owner or operator of that site if you have any concerns or questions.

Fraud prevention, detection and claims history

Insurers pass information to the Claims and Underwriting Exchange register, run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI).

To prevent and detect fraud we and your insurance company may at any time:

1. Share information about you with other organisations and public bodies including the police.

2. Check and/or file your details with fraud prevention agencies and databases. If you give us false or inaccurate information and fraud is suspected, this will be recorded. We and other organisations may and do search these databases to:

- help make decisions about the provision and administration of insurance, credit and related services for you and members of your household

- trace debtors or beneficiaries, recover debt, prevent fraud, and to manage your accounts or insurance policies; or

- check your identity to prevent money laundering, unless you give us satisfactory proof of identity.

3. Undertake credit searches and additional fraud searches.

To prevent fraud and to ensure that any payments or refunds can be paid to you, we securely keep your credit/debit card details for the duration of your policy. By providing us with your card details, you consent to us doing so.

Motor insurance database

Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers' Information Centre (MIIC). MID data may be used by the DVLA for the purpose of Electronic Vehicle Licensing and by the police for the purposes of establishing whether the driver's use of the vehicle is likely to be covered by a motor insurance policy and/or preventing and detecting crime. If you are involved in an accident in the UK or abroad, other UK insurers, the Motor Insurers Bureau and MIIC may search the MID to obtain this policy information. You can find out more about this from your insurer, or at http://www.miic.org.uk/

You should show this notice to anyone insured to drive the vehicle covered under the policy.

It is your responsibility to ensure that you and all named drivers on a motor policy hold a valid driving licence(s) for the vehicle(s) you are proposing to insure. Failure to hold a valid licence will invalidate your insurance.

Persons pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.

You can find out more about this at http://www.miic.org.uk/

Claims

Under the conditions of your policy you must tell us about any insurance related incidents such as fire, theft, or an accident; whether or not a claim was made through an insurance policy. When you advise of an incident it will be passed to a database by your insurer. If you make a claim through us we will pass on the information to such parties as your insurance company, loss adjusters and investigators. They will only use this data to assist with your claim.

Information on products and services

The information that you have provided us will be held and used by us to provide the insurance services you asked for and may be used by us for statistical analysis. The information may also be used by us in offering you other services and products that we believe may be of interest to you, unless you have opted not to receive such information. We may contact you by telephone, mail or email to let you know about these products and services. We do not pass any of your information on to third parties for marketing purposes.

We will abide by the stated principles of the Data Protection Act at all times. These can be viewed on the Information Commissioners website at http://www.dataprotection.gov.uk/

If you prefer not to receive this information, and have not previously informed us of this, please write to the Data Protection Office, Insurance Choice, 2^nd Floor, St Albans House, Portland Street, Leamington Spa, Warwickshire, CV32 5EZ. Or email us at dpo@insurancechoice.co.uk.

You have the right to ask for a copy of the information we hold about you on our records. You will need to pay a small fee. You have the right to ask us to correct any inaccuracies in your information. We keep records of our business transactions for at least six years.

Telephone calls

We may record telephone calls for security and training purposes to help improve our standards of service.

Security

We believe that security is of the utmost importance to our customers and we have therefore designed our site to include the latest encryption technology; SSL or Secure Socket Layer, which protects your payment details and all of your personal information. If you pay for your policy by credit card (not debit card) you will also have the additional protection of the Consumer Credit Act. The maximum liability on your credit card is £50 in the event that it is lost or stolen or used fraudulently and your liability stops as soon as you notify the credit card company that the card has been lost or stolen or used fraudulently.

Virus Protection

We make every effort to check and test material published on this website at all stages of its creation. It is always wise for you to run anti-virus software on all material downloaded from the internet. We cannot accept any responsibility for any loss, disruption or damage to your data or your computer system which may occur whilst using material derived from this website.

Cookies

We use session cookies to enhance the level of service we provide to customers. They record areas of the site you visit plus the length of time you spend viewing them. They do not identify a user by name. Your browser keeps track of session cookies as long as it is running, but deletes them when it is closed down. If you object to a cookie being placed on your computer please adjust your browser to let you know when a cookie is issued or you can choose to have them disabled, this will not prevent Insurance Choice from giving you a quote online. Please refer to the website http://www.aboutcookies.org/ for more detailed information on how to control or manage cookies.